Lexus IS 250 Insurance Rates

Estimated insurance rates for a Lexus IS 250 are $1,502 a year for full coverage insurance. Comprehensive insurance costs approximately $362, collision costs $688, and liability is $316. Liability-only coverage costs around $376 a year, with high-risk coverage costing $3,252 or more. 16-year-old drivers pay the most at $5,366 a year or more.

Average premium for full coverage: $1,502

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different IS 250 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates estimated Lexus IS 250 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $844
• Raising to $1,000 deductibles will save $238 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,502
• Buying more expensive low deductibles will cost an additional $464 annually
• Drivers with multiple tickets or accidents could pay around $3,252 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost $5,366

Insurance prices for a Lexus IS 250 also have a wide range based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 134% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus IS 250 insurance prices. A middle-age driver might find prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,030 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles can reduce prices by up to $710 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Lexus IS 250 Insurance

Finding better rates on insurance for a Lexus IS 250 consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop every time your policy renews by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a brief recap of the information covered above.

• It is possible to save around $190 per year simply by shopping early and online
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $447 per month if full coverage is included
• Increasing policy deductibles can save approximately $700 each year
• Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,750 more per year than a driver with a clean driving record
• Insureds who purchase additional liability coverage will pay around $350 annually to raise from 30/60 bodily injury limits to the 250/500 level